Clearly, all customers don’t have equal value. Given the new economic environment,
the ability to separate and differentiate the highest spending consumers allows you
to focus capital where it counts.

You can deliver better service, provide superior rewards, and even offer significantly
higher credit lines - when you know the total spend they generate, not just on your
accounts but on "off us" accounts as well.

Include in portfolio account reviewsIdentify and invest
in those segments that have spend to shift. Fine tune retention and cross sell strategies
to negotiate for the spend you know is there.

Integrate into credit decisionAre you assigning high lines
to customers that never spend enough to use them? Are you eliminating your card from
true consideration by establishing a line that doesn’t come close to meeting
the real need? TAPS provides the ability to right size a credit line generating profit
not just mitigate risk.

65% of spend opportunity comes from only 20% of all the accounts in the US.

The lowest 40% of spenders have limited spend to tap

Are you building your portfolio with a limited view to your customers' real potential?
The best card issuers capture a significant share of total spend. Are you wasting
capital on customers that while low risk, do not spend? How do you get your fair share?
Experian TAPSSM shows you what you're missing and provides important insights
that allow you to maximize your investment dollars.

Experian TAPSSM uses balance data to estimate the annual spend on every
credit card. It then aggregates trade lines to provide a clear snapshot of an individual's
annual spend across all their general purpose credit cards.

Experian TAPSSM can also calculate a lender’s wallet share for
each consumer through the use of Experian subcodes

Note: The algorithm is not “predicting spend” –it interprets
the last 12 months of longitudinal credit history and calculates a proxy for historical
spend. Therefore, it is not a model per se, but more like a complicated attribute.

Features: Returns 5 data elements

Experian TAPSSM returns 5 fields

Total Spend

Pay Rate

Client Spend

Other Spend

Wallet Share

Total Spend: Sum of total spend over the last 12 months for an
individual

Pay Rate: The proportion of a consumer’s average monthly
balance that is spend (spend/ avg bal / 12)

Client Spend: Sum of total spend over the last 12 months for
an individual on the clients trade lines only. a.k.a "On Us" Spend

Experian and the Experian marks used herein are service marks or registered trademarks of Experian Informations Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners.